Skip to content

Rates Calculator

Get the right ride at the right rate — whether it’s new or new-to-you. Download the AskAuto® app to make shopping easier.

Key Features

  • Competitive Rates
  • Flexible Terms
  • Local Decisions
  • Afford the new or used vehicle you really want
  • Competitively low, fixed and variable rates
  • A wide range of terms customized to your unique situation
  • Financing includes tax, title and license
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Local decision-making and processing
  • Friendly Texas service from start to finish

Estimate your car payments using our online calculator.

You can also get affordable financing for the recreational vehicle of your choice! Gear up for your next outdoor adventure with a new or used boat, motorcycle or other RV. 

  • RVs
  • Motorcycles
  • Boats
  • Personal watercrafts
  • And more!

We’re proud to announce a new service that will aid you in your new or pre-owned auto purchase. It’s called AskAuto and is available for download on your tablet or mobile device. With the free AskAuto app, you can:

  • Scan VINs to get average retail cost and EPA mileage estimates on cars you like
  • Compare, rank and save notes on vehicles you want to buy
  • Learn which loans might be best for you
  • Apply for a loan anytime, anywhere using your smartphone or mobile device. Just scan your driver’s license and the AskAuto app pre-fills the loan application with your personal information and vehicle info for the car you’re interested in — saving you time and key strokes 

Make buying your next vehicle easy with the free AskAuto app — get it now for your Apple or Android device! Be sure to fill in “Chemcel Federal Credit Union” when asked for your credit union name.

Be prepared for anything with a variety of vehicle insurance options we offer:

Payment Protection — This service will pay your minimum monthly loan payment in the event of an illness, injury, or death.

Vehicle Service Agreement — Cover unexpected repairs or other issues that take your vehicle off the road.

GAP Plus — This can help if your car is totaled or stolen and your insurance company refuses to pay off the loan balance.